In my opinion the insurance from the outside looks good, when I was a vet tech in private practice 3 years ago we sold it and it was a hit, I didn't do it because the policy was like $500 and they wanted the money upfront for the whole policy year. It's like $35 a month but a lot of hospitals here take the insurance which is cool. I have 3 gsd's so it's a little more expensive but I plan on doing that if I have a few hundred dollars laying around.
At my vet's office, I have to pay up front and get reimbursed. So, far it's only taken about 2 or 3 weeks to get reimbursed though. They're actually faster than MY health insurance company when it comes to cutting a check.
I know that some animal hospitals will work with you if you have a LARGE bill and allow you to pay a portion of the bill and have a check sent to them by the insurance company. It all depends on the individual vet/animal hospital.
When all other friends desert, he remains.--George G. Vest
Some years ago I got VPI for my dog. I found that the forms for repayment on other-than-routine work often would require the cooperation of vet for completion; illnesses and lesions had to be described carefully, and in ways acceptable to the insurance company.
I had a pretty significant problem getting this info from the vets, and eventually gave up the policy for that reason.
I also have VPI for both of my dogs and the process is quite simple. Most vet bills are itemized and printed through a computer so I make a copy of that and my vet or office staff signs my form with a quick dx and $ amount that's all there is to it. I have given my vet several blank forms to keep in my dog's charts so I don't even have to remember to bring them to the office. Maybe VPI has made the process easier for their members now than they had done in the past. They process claims within 2-3 weeks too.
Oh forgot one thing,,,you don't have to pay for the policy all at once,,they do monthly payments so it doesn't hurt so much. On a side note,,my older female had an extensive neurological work up a few years back and VPI paid more than half of the bill. That amount was more than I had already paid into them in 4 years so to me it was well worth it.
Since I have dropped $1k at the emergency vet in Cyra's 22 months of life (one pillow eaten, one tongue laceration requiring stiches -) I went for VPI...particularly since we are in the woods a lot and I have alredy nursed barbed wire cuts etc.....If nothing else, the fact that I am now PAYING for insurance means she will never get hurt or sick <img src="/ubbthreads/images/graemlins/laugh.gif" alt="" /> <img src="/ubbthreads/images/graemlins/laugh.gif" alt="" /> <img src="/ubbthreads/images/graemlins/laugh.gif" alt="" />
I recently filed my first claim for routine coverage (I went for that option) so I will see how it goes.
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